SPFI Relative Valuation
SPFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SPFI is overvalued; if below, it's undervalued.
Historical Valuation
South Plains Financial Inc (SPFI) is now in the Fair zone, suggesting that its current forward PE ratio of 11.06 is considered Fairly compared with the five-year average of 10.80. The fair price of South Plains Financial Inc (SPFI) is between 34.35 to 43.18 according to relative valuation methord.
Relative Value
Fair Zone
34.35-43.18
Current Price：38.98
Fair
11.22
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
South Plains Financial Inc. (SPFI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
South Plains Financial Inc. (SPFI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
2.80
PS
South Plains Financial Inc. (SPFI) has a current PS of 2.80. The 5-year average PS is 2.37. The thresholds are as follows: Strongly Undervalued below 1.66, Undervalued between 1.66 and 2.01, Fairly Valued between 2.72 and 2.01, Overvalued between 2.72 and 3.07, and Strongly Overvalued above 3.07. The current Forward PS of 2.80 falls within the Overvalued range.
0.00
P/OCF
South Plains Financial Inc. (SPFI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
South Plains Financial Inc. (SPFI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
South Plains Financial Inc (SPFI) has a current Price-to-Book (P/B) ratio of 1.32. Compared to its 3-year average P/B ratio of 1.22 , the current P/B ratio is approximately 8.15% higher. Relative to its 5-year average P/B ratio of 1.20, the current P/B ratio is about 10.15% higher. South Plains Financial Inc (SPFI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 12.92%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 14.43% , the current FCF yield is about -100.00% lower.
1.34
P/B
Median3y
1.22
Median5y
1.20
10.11
FCF Yield
Median3y
12.92
Median5y
14.43
Competitors Valuation Multiple
The average P/S ratio for SPFI's competitors is , providing a benchmark for relative valuation. South Plains Financial Inc Corp (SPFI) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 15.31%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of SPFI increased by 13.04% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 25.60 to 32.31.
The secondary factor is the Revenue Growth, contributed 15.31%to the performance.
Overall, the performance of SPFI in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
Is South Plains Financial Inc (SPFI) currently overvalued or undervalued?
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